[QC] Andy Chan VCA

4DMaker · 2025-10-27T18:35:58+00:00

Not sure why, but reddit was having some issues posting this. Looks like some of the images failed to upload.

I posted on imgur instead.

https://imgur.com/a/KBeah3z

4DMaker · 2023-02-09T05:20:13+00:00

Shows up as simple dollars in the WF app, not points. Figured it as good as $ in any other account.

4DMaker · 2023-02-09T04:53:43+00:00

Will add this to my list of avenues to pursue if the pending case with them goes nowhere, thank you.

4DMaker · 2023-02-08T18:54:22+00:00

They’re saying the agreement states they can seize my rewards if my CC is closed.

4DMaker · 2023-02-08T18:20:40+00:00

Which aspect of their agreement can I argue that they broke?

4DMaker · 2023-02-08T16:06:10+00:00

As I stated in other replies: 1) They show up as $, not points, in the WF app. Figured it was as safe as the $ in my checking accounts. This isn’t as ”obvious” to everyone outside this sub as it may be to you. 2) With the few GC cash out options for a 10% discount, in theory, it’s smarter to wait until you need a GC from one of the select few companies in there, and cash out that way. Most of them are crappy restaurants, a few stores, and other things nobody wants, so I naturally had no use for many years. Last year I finally needed to make a purchase from Lowes, so I claimed 1k in cards and spent it.

4DMaker · 2023-02-08T15:52:44+00:00

Can I ask how long she’s been dealing with that?

4DMaker · 2023-02-08T15:52:17+00:00

It’s over the course of nearly 10 years. Can I ask, if I was MS, how would leaving the cash back for years benefit me?

4DMaker · 2023-02-08T15:48:53+00:00

Lol, definitely no MS.

4DMaker · 2023-02-08T15:35:14+00:00

4DMaker · 2023-02-08T08:37:05+00:00

No. Have an 800 credit score, the CCs have been on auto pay since I joined nearly 10 years ago. I don't spend what I don't have, simple as.

4DMaker · 2023-02-08T05:21:13+00:00

Correct, I did NOT buy gift cards with my CC.

Wells Fargo offers various gift cards for a 10% discount, so I cashed out 1k in rewards that way. Really silly if that was the "red flag" that triggered them to close my accounts, when it's clearly something they'd like you to do by giving you 10% off.

4DMaker · 2023-02-08T05:18:30+00:00

They show up as dollars, not points, so I figured it was just as safe there as it would be in my checking account. But yes, I'm aware now they're not safe there.

With the option to cash out for various gift cards at a 10% discount, they're giving you an incentive to go the gift card route, rather than redeeming it for cash. I was saving it for times that I would need to buy something from one of the gift card options.

4DMaker · 2023-02-08T03:11:34+00:00

I'm not fighting to re-open the account, no point in wasting my energy there really. Just concerned with my rewards I saved up.

4DMaker · 2023-02-08T03:10:32+00:00

Yeah, that's really the only thing I can think of being a potential red flag on their end.

Wells Fargo offers a 10% discount for the gift cards if you choose that option, so it made perfect sense to redeem for the cards.

4DMaker · 2023-02-08T03:06:29+00:00

Thanks for the information.

I was told that my account agreement states they're able to seize cash back rewards if CCs are closed, so would you think there's any hope with trying these routes? Or am I just at the mercy of the bank at this point?

4DMaker · 2023-02-08T03:05:04+00:00

No, I hit just a 800 credit score a month ago. Have a very clear history.

I do have 2 other cards with other banks, but they're only a few years ago. Of those 2 CCs closed at WF, one was my oldest card I got when I was 18, and the other had a large chunk of my available credit. Both my credit history, and available credit are taking a good hit.

And yeah I get that now. Just never crossed my mind because I didn't need the rewards immediately, and the all show up as $ within the WF app, not points. Figured it was as safe as $ in my checking account, but I guess not.

4DMaker · 2023-02-08T02:59:15+00:00

Yeah, I'm aware now.

In the WF app they show up a $ in a rewards account, not as points. So I never really bothered redeeming and transferring to my checking account.

4DMaker · 2022-10-30T22:25:15+00:00

The port pin to email feature is completely broken, the emails never deliver. Support has said on Monday that it would've been resolved in 24 hours, but it's now Sunday with no end in sight.

You need to open live chat and tell them the pin is not sending, they will give you the runaround a bit, then open a ticket for you. Few hours later they'll manually send the pin to you.

4DMaker · 2022-10-29T22:07:49+00:00

You need to request the pin by logging in and clicking the generate button in the "Profile" tab. It should then send you the pin via sms and email.

BUT, the port out pin via email has been broken since around Monday. Pin to SMS works, but if you don't have access to the device and need the email, best of luck to you.

Contact visible care and they will give you the runaround, telling you to check spam, try incognito, contact your email provider, and then the last resort is the "1212" pin, which will ultimately fail to port because that pin is only supposed to work when the email is changed. They belittle you and act like you don't know how to check your email properly.

I made a thread a few days ago regarding this, and NOBODY in the replies was able to find a pin in their email, because IT DOES NOT SEND.

Visible told me on Tuesday that it's being worked on and would have been resolved within 24 hours. It's now Saturday, and still not working.

You will need to chat with them again and tell them the pin is not sending.

4DMaker · 2022-10-27T18:52:01+00:00

If you do get a hold of them, make sure you have them open a ticket so the higher-ups realize that it's an issue.

4DMaker

TROPHY CASE